Don Brooke is desperate for money for his pregnant wife Bonnie, who's condition is too delicate for the long trip without more medical care so he seeks a bank loan. When he sees an opportunity at the bank, it leads to tragedy.

Tough and headstrong female ferryboat captain Samantha Stewart is asked by her son Johnny and his bride to accompany them on the wagon train to California, where they will board a ship for a Pacific voyage. But actually, Johnny is not telling his proud mother that her doctor has told him that she must stay with a dry climate on land or she will die.